Egirlky, I am reading more and more about this debate about annual pap smears and every other 2 years. I am old school and don't like change, but thats just me. As it stands right now, I have top of the line insurance. Currently we pay 90 bucks every 2 weeks for family coverage which is a 90/10 coverage. Our co-pays at a doctors visit is 20 bucks, the ER 50. But there are some clauses in our policy. For example, if we go to the ER and my insurance company decides that it really isn't an emergency the amount we will be required to pay will be much higher, and might even require us to pay 100 percent of the cost of the visit. This clause I happen to love and wish that all insurance companies would do this. It would stop all the yahoos from using the ER as their doctors office so that when someone with a real emergency comes to the ER there is space and medical staff available to take care of them. And for anyone who's ever gone to the ER and had to wait 2 hours or longer in a waiting room full of people with a migraine, or who have brought their 6 kids all under the age of 6 because one of them happens to have a runny nose, and well you get the picture of where I am going with that. Grrrrr.
Another clause in my insurance policy is that if we get a physical every year, and for me this includes the head to toe, inside and out, pap,rectal and all, then they will continue to keep my insurance premiums and coverage as is. If I or we miss our yearly examinations then our coverage goes down to 80/20 and our premiums go up. At the 90/10 level all I have to pay for is the co-pay, nothing else, none of the labs or the pap test itself either. I am guessing their thought process behind this is that prevention is much cheaper than fixing a real problem that could have very easily been prevented. It's like my birth control pills. They are free, my daughters birth control shots are also free because again, it's much cheaper to provide free pills or a shot 4 times a year than it is to pay for an abortion, or prenatal care and everything that goes along with having a baby. How does that saying go, "A little ounce of prevention is worth a pound of cure"? Something like that anyway, lol.
So as it stands right now, and the policy that we have in place with our insurance company we continue to get yearly physicals. Which I happen to like, and not because I am kinky or anyrthing, but because again, I am old school and still feel more comfortable having a complete physical every year as apposed to every other. A lot can happen to a woman, especially a woman my age which is almost 43 in a 2 year span, or even in a year span. For example, about 3 months ago I started lactating for no reason at all. Secretly I was thrilled to death and thought it was sorta cool, lol, but ummm, Doc didn't quite think so, lol. So I guess what I am trying to say here is I'm at the age when quirky things are probably going to start happening to me and I really don't want to wait another 19 months to figure out what's going on with my tatas. Can you imagine, a real nurse, in her sexual prime, able, willing, and more importantly capable of really giving them a complete head to toe, very indepth, inside and out physical. Who also has all the real medical grade professional equipment to perform said physical, and then to be lactating on top of all of that? Oy Vey! I might have to put up an electric fence or something, lol.
In all seriousness though I have been noticing some insurance companies who are actually getting the point that you are posting about us older women having more sex partners than we used to. After all, divorce rates are much higher than they were say 50 years ago. Women these days are learning that it's okay for them to hold their own identities, and that their bodies belong to first off, themselves, then secondly to whomever they want to give it to.
About 4-5 years ago Doc asked me if I wanted to get the girls and I vaccinated against HPV. At that time the girls were about 13-15ish. They were at the prime age, and the FDA's recommended ages to receive them so I knew my insurance company wouldn't think twice, and they didn't even bat an eye at if I remember correctly it's heafty price tag of 1500 bucks. I wasn't so sure they would pay for me though since I was about 30 years too old and really didn't meet any of their other "criteria". They gave me the green light though have them administered. Again, I think they did so with the mind set of it being cheaper to pay the 1500 bucks now rather than possibly paying for all of the treatments to treat HPV down the road in 20 years or so, God forbid.
I think some insurance companies are finally starting to get the whole picture, but as the year 2014 fastly approaches us here in the States, it also brings on the whole new picture of Obamacare. God please save us all, lol.